Total Extras
An extras policy from Doctors' Health Fund.
- Doctors' Health Fund only takes medical and allied health professionals, their families, medical students and AMA employees.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Doctors' Health Fund files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, All states, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Doctors' Health Fund's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 24 services for $162.05 a month. Of the 396 other policies, 338 cost less and 71 cover more services.
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$4,200typical policy $1,000
- Optical$700typical policy $220
- Physiotherapyshared with remedial massage, exercise physiology$700typical policy $450
- Psychology$900typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)100% of the feetypical policy $35.20
- Scale and clean (item 114)100% of the feetypical policy $66.85
- Full crown, veneered (item 615)$900.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$75.00typical policy $42.00
- Psychology, first visit$100.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | No annual limit | - | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): 100%Simple extraction (item 322): $195.00 |
| Major dental | 12 months | $4,200shared with endodontic (root canals) | - | Full crown, veneered (item 615): $900.00 |
| Endodontic (root canals) | 12 months | $4,200shared with major dental | - | Root canal filling (item 417): $155.00 |
| Orthodonticsconditions apply | 12 months | $3,000 lifetime | - | Braces, upper and lower, with retainer (item 881): 100% |
| Opticalconditions apply | 2 months | $700 | - | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $600shared with vaccinations | - | Non-PBS prescription: 85% |
| Physiotherapyconditions apply | 2 months | $700shared with remedial massage, exercise physiology | - | Physiotherapy, first visit: $75.00Physiotherapy, later visit: $50.00 |
| Podiatry | 2 months | $1,000shared with 6 other services | - | Podiatry, first visit: $65.00Podiatry, later visit: $40.00 |
| Psychology | 2 months | $900 | - | Psychology, first visit: $100.00Psychology, later visit: $100.00 |
| Acupunctureconditions apply | 2 months | $250shared with health management programs | $500 | Acupuncture, first visit: 75%Acupuncture, later visit: 75% |
| Remedial massage | 2 months | $700shared with physiotherapy, exercise physiology | - | Remedial massage, first visit: $50.00Remedial massage, later visit: $35.00 |
| Hearing aids | 24 months | $1,600, 1 every 5 years | - | Hearing aid: $800.00 |
| Blood glucose monitors | 12 months | $1,000, $500 a visit, 1 every 2 years | - | Blood glucose monitor: 75% |
| Audiology | 2 months | 1 every year | - | Audiology, first visit: $60.00Audiology, later visit: $60.00 |
| Antenatal and postnatal | 2 months | $1,000shared with 6 other services | - | Antenatal and postnatal, first visit: $65.00Antenatal and postnatal, later visit: $35.00 |
| Dietetics | 2 months | $1,000shared with 6 other services | - | Dietetics, first visit: $65.00Dietetics, later visit: $40.00 |
| Exercise physiology | 2 months | $700shared with physiotherapy, remedial massage | - | Exercise physiology, first visit: $35.00Exercise physiology, later visit: $35.00 |
| Orthoptics | 2 months | $1,000shared with 6 other services | - | Orthoptics, first visit: $65.00Orthoptics, later visit: $40.00 |
| Health management programs | 2 months | $250shared with acupuncture | $500 | Health management program: 75% |
| Home nursing | 2 months | $600 | - | Home nursing, first visit: $30.00Home nursing, later visit: $30.00 |
| Occupational therapy | 2 months | $1,000shared with 6 other services | - | Occupational therapy, first visit: $65.00Occupational therapy, later visit: $45.00 |
| Orthotics | 12 months | $1,000shared with 6 other services | - | Orthotics: $200.00 |
| Speech therapy | 2 months | $1,000shared with 6 other services | - | Speech therapy, first visit: $65.00Speech therapy, later visit: $45.00 |
| Vaccinations | 2 months | $600shared with non-pbs medicines | - | Vaccination: 85% |
Not covered: chiropractic, chinese herbal medicine, osteopathy.
Preventative dental is not counted against the dental limit.
Other services: Major dental has sub-limits and is paid at fixed benefits per item. Combined annual limit of $1,000 for podiatry, dietetics, orthoptics, occupational therapy, speech therapy and pregnancy care (sub-limits of $600 per therapy and $200 per pair for orthotics up to 2 pairs per year). Group physiotherapy and hydrotherapy $20 per session. Benefit of $800 each for one left and one right hearing aid every 5 years. Benefit for laser eye surgery to each eye every 5 years. Home nursing $30 per visit up to 6 hours, $60 per visit over 6 hours. Pharmacy benefits paid at 85% of charge above the PBS co-payment to a maximum of $70 per prescription (sub-limit applies for weight loss medications).
From the insurer: Premium extras with comprehensive dental including orthodontics and high benefits and limits across therapies. 100% back for dental checkups, bitewing x-rays and fissure sealings at the provider of your choice. No sub-limits on optical benefits – use the full $700 on your choice of contact lenses or frames fitted with prescription lenses. Laser eye surgery benefit of $800 per eye once every 5 years. Premium support for mental health with a $900 limit per year. Health management includes services such as acupuncture, weight loss classes and class physiotherapy for the treatment of a specific diagnosed condition.
Orthodontic services accrue to a lifetime limit of $3,000 at $600 per year of membership. $700 optical limit every 2 years. Individual and group physiotherapy and hydrotherapy claimable under physiotherapy. Class physiotherapy and acupuncture claimable through health management when prescribed by your medical practitioner.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.